It took many property owners 1-3 years to rebuild since it took FEMA a long time to release draft and final revised flood maps.

I'm now ready to rebuild.

I had not planned on re-building the owners property at my expense.Thanks very much.Michael

Replacement Cost is obviously better but...On a Replacement Cost Policy you’ll be required to carry the Dwelling Coverage amount something close to the full estimated cost to rebuild the home.Diff states have vastly different rebuild cost.In my state it averages around $150 per square foot to rebuild x 1000sqft = $150,000 A replacement Cost Policy would require you to carry $150,000 dwelling coverage.

There is significant structural damage that leads me to believe a complete demolition & rebuild would be the best way to approach.

Hostfully is re-building their Wheelhouse integration, sounds like just a couple weeks and we will be using Hostfully to push Wheelhouse prices to various places (including HA/vrbo). 

Though there are those who choose prefab for aesthetics and ease (such as the Sonoma weeHouse videos who stated they didn't have to "babysit" the build)........I recently interviewed someone who has a tiny house in his backyard and wants to rebuild the stick-built home currently on the property (it's tiny and needs repairs).

I undertook my due diligence and put together the scope, also finding out that we could demo the rear house and rebuild a MULTI-FAMILY in the future -- it was already zoned for multi!!

My first question is: Why would USAA have the rebuilds so much higher than this?

Then, rate the amount of rehab to be done, from "clean & paint" to "move walls & rebuild".